PennyMac Financial Services, Inc. (PFSI) is a Financial - Mortgages company in the Financial Services sector, currently trading at $92.67. It has a SharesGrow Score of 71/100, indicating a above average investment profile with 5 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of PFSI = $159.48 (+72.1% from the current price, the stock appears undervalued). Analyst consensus target is PFSI = $150 (+61.9% upside).
Valuation: PFSI trades at a trailing Price-to-Earnings (P/E) of 9.4 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 0.38.
Financials: revenue is $4.4B, +51.9%/yr average growth. Net income is $501M, growing at +35.5%/yr. Net profit margin is 11.5% (healthy). Gross margin is 91.4% (+57.7 pp trend).
Balance sheet: total debt is $23.1B against $4.3B equity (Debt-to-Equity (D/E) ratio 5.35, leveraged). Current ratio is 0.04 (tight liquidity). Debt-to-assets is 78.5%. Total assets: $29.4B.
Analyst outlook: 14 / 20 analysts rate PFSI as buy (70%) — strong consensus.
SharesGrow 7-Criteria breakdown: Value 82/100 (Pass), Growth 100/100 (Pass), Past 100/100 (Pass), Health 0/100 (Fail), Moat 74/100 (Pass), Future 85/100 (Pass), Income 55/100 (Partial).
